Deposit-book.



A. J. SKINNER.

DEPOSIT BOOK.Y

APPLICATION FILED 0m21.191s.

1 Patented Aug. 29, 19,16.

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ARTHUR. J'. SKINNJER,

0F SPRINGFIELD, MASSACHUSETTS, ASSIGNOR T0 ORLAND V.

SMITH, 0F MILFORD, CONNECTCUT.

.DEPOSIT-BOOK.

Application led December 21, 1915. Seria No. 68,002.

To all whom t may concern:

Be it known that ll, ARTHUR J. SKINNER, a citizen of the United States of America, residing at Springfield, in 'the county of Hampden and State of Massachusetts, have invented a new and useful Deposit-Book, .of which the following is a specification.

My invention relates to improvements in deposit books for use jointly by banking institutions and their customers or depositors in connection with special accounts, such as so-called Christmas accounts and the like, and said invention resides in a book made up of one or more permanent or master leaves or pages having one or more rows of characters arranged thereon, preferably adjacent to one edge thereof, and a plurality of serially numbered detachable or deposit leaves or pages or coupons having one or more rows of characters arranged thereon to coincide with corresponding or appropriate characters on the master page above or in front, so that any corresponding, appropriate, or agreeing characters on said master page and the 'deposit page immediately under or in front of the same can readily be punched at a single operation, there also being a certain agreement between the master page characters and the coupon characters and serial numbers, all as hereinafter set forth.

This book may and preferably will be provided with a suitable table setting forth certain data that is useful in connection with the master page or pages and the deposit pages or coupons.

The principal object of my invention is to produce a simple and inexpensive book, by means of which the special bank account can, with the minimum amount of time, trouble and labor. be accurately kept, so that both the bank and the customer or depositor may at all times know the amounts which have been deposited and which are required to be deposited, both parties to the contract always having in their possession acomplete record of each and every transaction involved from the time the contract begins to run until it is terminated.

A further object is to provide a book of this type with which can be used to advantage a table of related or pertinent data if desired.

'.lhis book is compact and convenient, requires no signatures, and is withal highly practicable and efficient.

Other objects and advantages will appear in the course of the following description.

Although l have embodied my invention in a Christmas deposit book, for illustrative purposes in connection with this application, said invention is not limited to deposit books used for Christmas accounts.

l attain the objects and secure the advantages of my invention by the means illustrated in the accompanying drawings, in whichi Figure l is a perspective ,View of a deposit book which embodies a practical form* of my invention, the front cover being open to expose the table on the inside thereof and. the first permanent or master leaf or page, of which there are two in the present case; Fig. 2, asimilar View, but with said master page 'turned over and the first detachable leaf or page, or the first coupon, exposed, and; Fig. 3, a view similar to the second, except that the book is open to the other master page.

Similar reference numerals designate similar parts throughout the several views.

The book of the drawings comprises a front cover l, two master pages 2 and 3, and a series of fifty coupons 4, thirty of such coupons being between the two master pages and the other twenty following the master page 3.

-Cn the inside of the cover l is printed a table which is divided vertically by suitable rulings into two divisions and these into four subdivisions, and made up as follows: ln the left hand column of each division are the coupon numbers arranged consecutively front top to bottom; in the next column are the payment dates similarly arranged, commencing with December 27, 1915, and ending with December 4, 1916, in the second `section at the bottom; in the next column are the amounts of the weekly payments, and in the last column are the monthly amounts, the total in this case being $100 which appears at the bottom of the monthly column in the second division. Appropriate headings are printed above the columns of the table to indicate exactly what the matter below represents or stands for. Thls table is clearly shown in Fig. l.

The master page 2 has printed thereon consecutively, in three rows of spaces formed by rulings, the numerals from 1 to 30, with a reference above to the table. These numerals represent the first thirty payments, and one of them is to be punched at the bank each time a payment is made, together with the coupon 4 immediately below or following, as will presently be more fully explained. This numeral table 1s located near .the bottom of the page so that each numeral therein will be accessible to the punch and the space containing such numeral can be conveniently perforated therewith. v

The master page 3 has printed thereon, consecutively in two rows of spaces formed by rulings, the numerals from 31 to 50, such rows being arranged in the same relative .position onsaid page as are those 1n the second and third rows on the lirst master page. The numerals on the master page 3 represent the last twenty payments, and one of them is to be punched at the bank each time a payment is made, together with the coupon immediately below.I

A single master page might be employed by enlarging the table on the master page 2 to include the table on the master page 3, but for the sake of economy in the manufacture of the book and convenience 1n punching I prefer to provide a master page for the numerals in excess of 30 or any multiple thereof. n

Directions or other matter may be printed in the spaces ,above the tables on the master pages 2 and 3.

The coupons 4 are longervthan the master pages 2 and 3, so 4that the former proJect at their free ends beyond the latter, and

the projecting end portions of said coupons are grasped when the coupons are detached. Thus provision is made for convenient detachment of the coupons, and liab'illty of tearing out the master pages with the coupons is eliminated. u

Each coupon 4 is scored or partially cut, as represented at 5 in Fig. 2, to weaken the same along a line which extends crosswlse of said coupon near the bound end thereof, which weakened line divides the major portion of the coupon from the binding portion, and renders such major portion readily detachable.

A table comprising rulings and numerals is printed on the lower 4, in agreement locally with the table on the master page 2, there being three rows of numerals ason said page, and each of such numerals being4 under or behind al corre:

part of `each coupon.

ument the numeral 11 spondingznumeral Aon said page, so that cor responding numerals on the master page and thecoupon immediately following can be punched at the same time, when the book is open `and the two members are held together and separated or raised from the other members for the insertion and application of the punch. -The foregoing applies also to the master page 3 and the coupons 4 which follow the same, but the middle and bottom rows of numerals on these coupons are the only ones used, because there are but two rows of numerals on said page. The reason that the top rows of numerals are retained in the case of the coupons which follow the master page 3 is because it is cheaperl to print all of the coupons alike, otherwise such rows could be omitted. Also, on account of cheapness, I prefer to employ in sequence the nine digits and the cipher in each row on each coupon, instead of progressive numerals like those on the master pages 2 and 3. The digits and ciphers serve to impart clearly to the bank theI desired information, and to present the same in permanent record form, each transaction being accurately denoted by a punched digit or cipher,while at the same time this part of the record may be obscure to the depositor. But the` depositor has his permanent record in the punched master page or pages and need not be concerned about the details of the bank record. All of this will presently be more fully explained.

Each coupon 4 preferably has printed thereon above the table an account number, as Account No. 11019, the amount to be paid into the bank each week, as $2.00, and the serial number, as Coupon No. 1, the serial numbers running consecutively 105 from 1 on the first coupon, as shown in Fig. 2, to 50 on the last coupon. The aforesaid weeklyamount and the serial members correspond to like notations in the table on the front cover 1.

In practice, when the first payment is made, the numeral 1 on the master page 2 and the coupon 4 which immediately follows said" page are punched, and said lcoupon is removed and filed at the bank. The 115 depositor now has a punched record of his first deposit, in the master page 2, and the bank also has a punched record of the same, in the No. 1 coupon punched in the first space. The punching and detaching opera- 120 tions are repeated, as the subsequent deposits are made, uutil the total amount is paid in and the last coupon detached. At the tenth payment the numeral 10 on the master page 2 and the top cipher on coupon 125 No. 10 are punched, at the eleventh pay-- on said page and the middle digit l on coupon N o. 11 are punched, and so on until at the last payment the numeral 50 on the master page 3 and the 13 meen/aa bottom cipher on coupon No. 50 are punched, in each case the punched masterpage numeral plainly showing to the depositor the number of the payment, and the punched numeral on the coupon corresponding with the serial number of said coupon and with the corresponding numeral on one or the other master page constituting a record for the bank of the transaction. The records balance and either proves the other.

lt will be understood that, as the top cipher on coupon No. 10 stands for that numeral and the middle digit l on coupon No. 11 stands for that numeral, each of the following digits in the middle row of the table on any of the coupons 4, which precede the master page 3, is to be read with the ligure a l before it, and the cipher in such row with the ligure 2 before it, and that each of the digits in the bottom row of said table is to be read with the figure 2 before it, and the cipher in said last mentioned row With the figure 3 before it, 30 being the serial number of the coupon just before the master page 3; and that each of the digits in the middle row of the table on any coupon, which follows said master page 3, is to be read with the' figure 3 before it, and the cipher in the samerow with the figure 4 before it, and that each of the digits in the bottom row of said table is to be read with the ligure 4 before it,l and the -last cipher as as beforeA stated: The punched digit or cipher on a coupon must agree with the serial number of such coupon, otherwise y there is conclusive evidence of an error. As

an example vof this, let it be assumed that coupon No. .26 is punched in the bottom 5 space. It is seen at once` that the coupon is incorrectly punched, and search will be instituted to ascertain the cause of the error.

Should the depositor desire to deposit` more than the required amount at a given i' time, as for a month in advance, for illustration, he can determine the exact sum required by referring to the table on the cover 1,and.can see, when after depositing such sum and the book is handed back by the bank ollicial, that the master page or pages such table might be omitted. rlhe book, if

designed for use in some other field, will probably require a different table, or may not need any at all, and may call for more or less change in the matter printed on the master pages and coupons, but any omission or change, such as is here contemplated, will not be of a nature to affect the essence of my invention. ln Athis connection it is to be noted that the location may be changed on the cover table.V 'i

I t is quite evident that other characters might be used, in connection with my book, besides numerals or the digits, ciphers, num bers, and figures commonly classed as numerals, hence the term character or characters, as'herein employed, is not intended to be limited to numerals.

What ll claim as my invention, and desire to secure by Letters Patent, is-

1. A deposit book, of the class described, comprising one or more master pages having sequentially arranged thereon numerals to be punched, and detachable numbered coupons backing such page or pages, the number of such coupons being equal to the highest numeral on such page or oneach of such pages, and said coupons having thereon characters of progressive values to be punched, said numerals and said characters being in registration when the sheets are superposed.

2. A deposit book, of the class described, comprising one or more permanent pages having thereon characters to be punched, and a plurality of numbered detachable leaves backing said page or pages and havf ing thereon characters to be punched, the

characters on said page or pages and said leaves being in registration when the sheets are superposed, and said leaves projecting at one end beyond said page or pages.

- y ARTHUR J. sniunnn. 

